Money reception control system, money reception control method, and program

Abstract

To enhance convenience of a user using at least one of a stock reward and a shareholding association.SOLUTION: A money reception amount information acquisition part (101) of a money reception control system (1) acquires money reception amount information on a money reception amount of a financial product received in a first account as a target of preferential treatment in tax system. An acquisition amount information acquisition part (102) acquires acquisition amount information on an acquisition amount of a stock acquired by a user by at least one of a stock reward and a shareholding association. A money reception control part (103) executes control to receive the stock below the limit of a first account in the acquisition amount into the first account, on the basis of the money reception amount information and the acquisition amount information, and to receive a stock exceeding the limit thereof in the acquisition amount into a second account of the user.SELECTED DRAWING: Figure 3

Description

Technical Field

[0001] The present disclosure relates to an inventory control system, an inventory control method, and a program.

Background Art

[0002] Conventionally, in Japan, NISA (Nippon Individual Savings Account), which is a tax preferential system for individual investors, is known. There are also tax preferential systems for financial products in other countries outside Japan. For example, in Patent Document 1, the exercise conditions of stock options, which are an example of stock compensation, are set, and the desired selling price of the stocks included in the exercise conditions is compared with the market price of the stocks in the stock market. When the market price becomes equal to or higher than the desired selling price, a scenario regarding the exercise is selected based on predetermined conditions, and a right exercise support device that executes the selected scenario in cooperation with an external system is described.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in conventional technologies including Patent Document 1, the stocks acquired by the user due to stock compensation were deposited in a specific account or a general account subject to taxation. For this reason, the conventional technology could not meet the wishes of users who wished to deposit into a NISA account with preferential taxation. This is not limited to stock compensation, but also applies to stocks acquired by the user through a stockholders' meeting. Furthermore, even if a new tax preferential system different from NISA is born in Japan in the future, the same problem is a concern. The same is also a concern in other countries outside Japan.

[0005] One of the objectives of the present disclosure is to enhance the convenience for users who utilize at least one of stock compensation and stockholders' meetings.

Means for Solving the Problem

[0006] The inventory control system according to the present disclosure includes an inventory amount information acquisition unit that acquires inventory amount information regarding the inventory amount of financial products stored in a first account that is subject to a tax preferential system, an acquisition amount information acquisition unit that acquires acquisition amount information regarding the acquisition amount of stocks acquired by a user by at least one of stock compensation and stockholders' meetings, and an inventory control unit that executes control to store, in the first account, the stocks within the limit of the first account among the acquisition amounts based on the inventory amount information and the acquisition amount information, and to store, in a second account of the user, the stocks exceeding the limit among the acquisition amounts.

Advantages of the Invention

[0007] The present disclosure can enhance the convenience for users who utilize at least one of stock compensation and stockholders' meetings.

Brief Description of the Drawings

[0008]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Embodiments for Carrying Out the Invention

[0009] [1. Hardware Configuration of the Warehousing Control System] An example of an embodiment of the warehousing control system, the warehousing control method, and the program according to the present disclosure will be described. FIG. 1 is a diagram showing an example of the hardware configuration of the warehousing control system. For example, the warehousing control system 1 includes a server 10 and a user terminal 20. Each of the server 10 and the user terminal 20 is connected to a network N such as the Internet or a LAN.

[0010] The server 10 is a server computer of a financial institution such as a securities company. For example, the server 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes at least one processor. The storage unit 12 includes at least one of a volatile memory such as a RAM and a non-volatile memory such as a flash memory. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

[0011] The user terminal 20 is a computer of a user who has an account with a financial institution. For example, the user terminal 20 is a smartphone, a tablet, a personal computer, or a wearable terminal. The user terminal 20 includes a control unit 21, a storage unit 22, a communication unit 23, an operation unit 24, and a display unit 25. The hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 24 is an input device such as a touch panel or a mouse. The display unit 25 is a display such as a liquid crystal or an organic EL.

[0012] Note that the programs stored in the storage units 12 and 22 may be supplied to the server 10 or the user terminal 20 via the network N. Further, at least one of a reading unit (for example, a memory card slot) that reads a computer-readable information storage medium and an input / output unit (for example, a USB port) for inputting / outputting data to / from an external device may be included in the server 10 or the user terminal 20. For example, a program stored in the information storage medium may be supplied to the server 10 or the user terminal 20 via at least one of the reading unit and the input / output unit.

[0013] Further, the stock-in control system 1 may include at least one computer. The computer included in the stock-in control system 1 is not limited to the example of FIG. 1. For example, the stock-in control system 1 may include only the server 10. In this case, the user terminal 20 exists outside the stock-in control system 1. For example, the stock-in control system 1 may include the server 10 and another computer not shown in FIG. 1.

[0014] [2. Outline of Stock-in Control System] In the present embodiment, the user belongs to an organization having at least one of a stock compensation system and a stockholders' meeting system. For example, the user is an employee, an employee of a parent company, an employee of a subsidiary company, an in-house director, an outside director, an in-house auditor, an outside auditor, or other person. The user may use both the stock compensation and the stockholders' meeting, or may use only either the stock compensation or the stockholders' meeting. The organization to which the user belongs may have both a stock compensation system and a stockholders' meeting system, or may have only either a stock compensation system or a stockholders' meeting system.

[0015] Equity compensation is a system in which an organization distributes compensation to users in the form of shares. Stock options or restricted stock are examples of equity compensation. A stock option is the right for a user to purchase shares at a predetermined price. Restricted stock is stock with predetermined restrictions on transfer. For example, performance shares (PS), restricted stock (RS), performance share units (PSU), or restricted stock units (RSU) are examples of restricted stock. Equity compensation can be of various known types.

[0016] For example, when a personnel staff member of an organization logs in from their own computer to a financial service provided by a financial institution and performs an operation for the issuance of stock options, the inventory control system 1 executes a process for granting stock options to the user. The inventory control system 1 manages data indicating the stock options granted to the user. The user can exercise the right to stock options at any time. For example, when the user operates the user terminal 20 to log in to the financial service and performs an operation to exercise the right to stock options, the inventory control system 1 makes inquiries to the personnel staff member as necessary and then credits shares to the user's account. The process of acquiring shares through stock options may be the same as a known process. The process of selling the shares acquired by the user through stock options may also be the same as a known process.

[0017] For example, when a personnel staff member of an organization logs in from their own computer to a financial service and performs an operation to pay restricted stock to a user, the inventory control system 1 executes a process for granting restricted stock to the user. The user can also acquire multiple types of restricted stock. For example, the user may acquire restricted stock in any combination of PS, RS, PSU, and RSU. The processes of acquiring and selling restricted stock may be the same as known processes.

[0018] The shareholder meeting is an organization through which users acquire shares under the shareholding system. For example, a user acquires shares in an amount equivalent to a predetermined portion of their salary or bonus through the shareholder meeting. The user can receive incentives determined by the shareholder meeting. For example, when a personnel officer of an organization logs in from their computer to a financial service to perform an operation for purchasing shares, the inventory control system 1 grants the user shares in an amount corresponding to the user. The process of share acquisition and sale in the shareholder meeting may be the same as a known process.

[0019] For example, a user has a first account and a second account, which are examples of securities accounts, with a financial institution. The first account is an account subject to a tax-preferential system. The first account is either a non-taxable account or an account with a lower tax rate than the second account. For example, the NISA account in Japan corresponds to the first account. The second account is an account not subject to the tax-preferential system of the first account. The second account is either a taxable account or an account with a higher tax rate than the first account. For example, a specific account or a general account in Japan corresponds to the second account.

[0020] In this embodiment, an example is given where the first account is non-taxable and the second account is taxable. For example, if all the shares acquired by the user through at least one of share compensation and the shareholder meeting are deposited into the second account, then all of these shares become taxable. Therefore, the inventory control system 1 preferentially deposits the shares acquired by the user through at least one of share compensation and the shareholder meeting into the non-taxable first account. However, the first account is not permitted unlimited share deposits, and there are certain restrictions. The restrictions on the first account may vary depending on the country to which the inventory control system 1 is applied.

[0021] In this embodiment, an example is given where the warehousing control system 1 is applied in Japan. Therefore, the first account is a NISA account in Japan. The second account is a specified account or a general account in Japan. The NISA system is scheduled to be changed in 2024. In this embodiment, an example is given where the NISA system after 2024 is applied. If there is a further change in the NISA system after the filing date of this application, or if a tax preferential system other than NISA is born in Japan, the same warehousing control system 1 as in this embodiment may be applied. Even if there is a further change in the NISA system, or if a tax preferential system other than NISA is born in Japan, a person skilled in the financial services can apply the processing of this embodiment.

[0022] For example, in the NISA system after 2024, an annual investment limit (annual investment ceiling) and an aggregate limit (non-taxable holding limit) are defined for the first account. The annual investment limit is the amount that a user can deposit into the first account in the current year. Even if a user deposits a certain stock into the first account in a certain year and sells the stock in that year, the remaining limit of the annual investment limit does not revive. The annual investment limit can be said to be the limit of the accumulated amount for that year. There are a growth investment limit and a savings investment limit as the annual investment limit, but the annual investment limit in this embodiment mainly means the growth investment limit.

[0023] The aggregate limit is the total amount of financial products held by the user in the first account. If a user deposits a certain stock into the first account and sells the stock, the remaining limit of the aggregate limit revives. The aggregate limit is larger than the annual investment limit. Deposits into the first account that exceed at least one of the annual investment limit and the aggregate limit are not permitted. The annual investment limit and the aggregate limit may be well-known definitions. Even if the definitions of the annual investment limit and the aggregate limit change in the future, the warehousing control system 1 of this embodiment can execute the processing described below under the changed definitions. In the following description, when there is no need to particularly distinguish the annual investment limit and the aggregate limit, it is simply referred to as the limit of the first account. Also, when there is no need to particularly distinguish the first account and the second account, it is simply referred to as an account.

[0024] Figure 2 is a diagram showing an overview of the processes executed by the inventory control system 1. In Figure 2, the determination of the annual investment limit is shown, but the determination of the total limit is also performed in the same manner. For example, assume that the user acquired 6,000 shares of restricted transfer shares, which is an example of stock compensation, and the price per share was 500 yen. In this case, the acquisition amount of the shares is 3 million yen. Further, assume that the user did not use the first account in the current year. In stock options, the number of shares is sometimes called the number of units, so in Figure 2, notations such as (unit) are added.

[0025] For example, the inventory control system 1 calculates the available amount of the first account. In the example of Figure 2, as shown in Equation (1), the amount obtained by subtracting the amount already used in the current year from the 2.4 million yen of the growth investment limit becomes the available amount. In the example of Figure 2, since the user did not use the first account in the current year, the amount already used is 0 yen. The available amount becomes the same as the growth investment limit, which is 2.4 million yen. Assume that the amount already used in the current year is managed by the server 10.

[0026] For example, as shown in Equation (2), the number of received shares that the user receives in the first account is the value calculated in Equation (1) divided by the share price per share at the time of grant. In the example of Figure 2, the value calculated in Equation (1) is 2.4 million yen, and the share price per share at the time of grant is 500 yen, so 4,800 shares obtained by dividing 2.4 million by 500 become the number of received shares in the first account. If more shares are deposited into the first account, it will exceed the growth investment limit.

[0027] Therefore, as shown in Equation (3) of Figure 2, the number of received shares that the user receives in the second account is the amount obtained by subtracting the value calculated in Equation (2) from the number of granted shares. In the example of Figure 2, the number of granted shares is 6,000 shares, and the value calculated in Equation (2) is 4,800 shares, so 1,200 shares obtained by subtracting 4,800 shares from 6,000 shares become the number of received shares in the second account. The 4,800 shares received by the user in the first account are non-taxable. The 1,200 shares received by the user in the second account are subject to taxation.

[0028] In the example of FIG. 2, only the determination of the annual investment limit is taken as an example. However, when the inventory control system 1 stocks 4,800 shares in the first account, it may exceed the total limit. For example, if the total limit is planned to be 12 million yen and the user has used 10 million yen of the total limit, only 2 million yen of the available amount of the total limit remains. In this case, if the inventory control system 1 determines the number of shares to be stocked in the first account only considering the annual growth investment limit, it will exceed the total limit. Therefore, the inventory control system 1 stocks only 4,000 shares obtained by dividing 2 million yen by the stock price of 500 yen in the first account. The inventory control system 1 stocks 2,000 shares obtained by subtracting 4,000 shares from 6,000 shares in the second account.

[0029] For example, regarding the time of exercising stock options and the time when the user acquires shares by a shareholders' meeting, the available amount, the number of received shares in the first account, and the number of received shares in the second account are calculated by formulas similar to formulas (1) to (3). Also in these cases, both the annual growth investment limit and the total limit are checked. In this way, the inventory control system 1 enhances the convenience of the user by preferentially stocking the shares acquired by the user due to at least one of the stock compensation and the shareholders' meeting in the first account. Hereinafter, the details of the inventory control system 1 will be described.

[0030] [3. Functions Realized by the Inventory Control System] FIG. 3 is a diagram showing an example of functions realized by the inventory control system 1.

[0031] [3-1. Functions Realized by the Server] For example, the server 10 includes a data storage unit 100, an incoming amount information acquisition unit 101, an acquired amount information acquisition unit 102, and an incoming control unit 103. The data storage unit 100 is realized by the storage unit 12. Each of the incoming amount information acquisition unit 101, the acquired amount information acquisition unit 102, and the incoming control unit 103 is realized by the control unit 11.

[0032] [Data Storage Unit] The data storage unit 100 stores data necessary for a financial institution to provide financial services to users. For example, the data storage unit 100 stores a user database DB.

[0033] FIG. 4 is a diagram showing an example of the user database DB. The user database DB is a database in which various types of information about users are stored. For example, the user database DB stores user identification information, first account information, and second account information. Other information such as the organization to which the user belongs may be stored in the user database DB. The user identification information is information that can identify the user. For example, an ID, email address, or phone number for the user to log in to the financial service is an example of the user identification information.

[0034] The first account information is information regarding the first account. For example, the first account information indicates the account number of the first account, information on financial products deposited in the first account (e.g., stock code, number of shares, total amount, price at the time of purchase), or a combination thereof. Other financial products (e.g., investment trusts) other than stocks may be deposited in the first account. The first account information may include the deposit amount information described later. The first account information may include any information regarding the first account, and the information included in the first account information is not limited to the examples of the present embodiment. For example, the first account information may indicate the tax-preferred system limits set for the first account (e.g., annual investment limit and total limit). The first account information may indicate the value obtained by subtracting the current usage amount of the user from the tax-preferred system limit (available amount). The first account information may indicate the history of each of the deposit into and withdrawal from the first account.

[0035] The second account information is information regarding the second account. For example, the second account information indicates the account number of the second account, information on financial products deposited in the second account (e.g., stock code, number of shares, total amount, price at the time of purchase), or a combination thereof. Other financial products other than stocks (e.g., investment trusts) may be deposited in the second account. The second account information may include any information regarding the second account, and the information included in the second account information is not limited to the examples of this embodiment. For example, the second account information may indicate the history of each of the deposit into and withdrawal from the second account. In the user database DB, the first account information and the second account information in a data format used in known financial services may be stored.

[0036] Note that the data stored in the data storage unit 100 is not limited to the above examples. The data storage unit 100 may store data necessary for financial services. For example, the data storage unit 100 may store a database storing data regarding the current prices of each stock traded at a stock exchange. The data storage unit 100 may store a database storing data regarding the usage status of at least one of the stock rewards and the shareholder meetings by the user.

[0037] [Deposit amount information acquisition unit] The deposit amount information acquisition unit 101 acquires deposit amount information regarding the deposit amount of the financial products deposited in the first account that is subject to the tax incentive system. For example, the deposit amount information indicates at least one of the accumulated amount of the financial products deposited in the first account in the current year (the year to which the current time belongs) and the total amount of the financial products held by the user in the first account. Even if the user sells the financial products in the first account, the accumulated amount of the financial products deposited in the first account in the current year does not decrease. When the user sells the financial products in the first account, the total amount of the financial products held by the user in the first account decreases.

[0038] In this embodiment, it is assumed that the deposit amount information is included in the first account information. Therefore, the deposit amount information acquisition unit 101 refers to the user database DB and acquires the deposit amount information of the first account information associated with the user identification information. When at least one of the deposit to the first account and the withdrawal from the first account is performed, the server 10 updates the first account information. For example, when new stocks are deposited into the first account, the server 10 updates the first account information so as to indicate the security code, the number of shares, the total amount, and the price at the time of purchase of the new stocks. When the stocks in the first account are sold, the server 10 updates the first account information so that the information on the stocks is deleted.

[0039] For example, when the first account is a NISA account, there are an annual investment limit regarding the accumulated value of the deposit amount for the current year and a total limit which is the total amount of the financial products held in the first account. Therefore, the deposit amount information acquisition unit 101 acquires the deposit amount information indicating the accumulated value of the deposit amount for the current year and the total amount of the financial products held in the first account as the deposit amount. If the user has not used the first account at all, the deposit amount information acquisition unit 101 acquires the deposit amount information indicating that both are 0 yen. The deposit amount information acquisition unit 101 may acquire the deposit amount information indicating only either the accumulated value of the deposit amount for the current year or the total amount of the financial products held in the first account as the deposit amount.

[0040] Note that the deposit amount information acquisition unit 101 may calculate the deposit amount of the financial products deposited into the first account based on the history of deposits and withdrawals of the first account stored in the user database DB, and acquire the deposit amount information on the spot. For example, the deposit amount information acquisition unit 101 may acquire the deposit amount information indicating the total amount by calculating the total amount of the deposit amount of the first account in the current year. The deposit amount information acquisition unit 101 may acquire the deposit amount information indicating the current deposit amount by subtracting the total amount of withdrawals from the total amount of deposits of the first account over the entire past period. The deposit amount information acquisition unit 101 may simply acquire the total amount information by calculating the total amount of the stocks currently held by the user in the first account.

[0041] [Acquisition Amount Information Acquisition Unit] The acquisition amount information acquisition unit 102 acquires acquisition amount information regarding the acquisition amount of shares acquired by the user through at least one of share-based compensation and the shareholders' meeting. In this embodiment, an example is given where the user acquires shares through both share-based compensation and the shareholders' meeting, but the user may acquire shares through either share-based compensation or the shareholders' meeting. The acquisition amount information may be stored in advance in the user database DB, but in this embodiment, the acquisition amount information acquisition unit 102 acquires the acquisition amount information as follows.

[0042] For example, when the user acquires shares through restricted transfer shares, which are a type of share-based compensation, the person in charge of the organization where the user works requests the financial institution to grant restricted transfer shares. When the person in charge requests the grant of restricted transfer shares from their own computer, the request may include acquisition amount information. In this case, the acquisition amount information acquisition unit 102 acquires the acquisition amount information from the person in charge's computer. When the person in charge specifies only the number of shares without specifying the acquisition amount, the acquisition amount information acquisition unit 102 may acquire, as the acquisition amount information, the value obtained by multiplying the number of shares specified by the person in charge by the market price of the target stock. When the person in charge requests the grant of restricted transfer shares to the financial institution in writing or the like rather than from their own computer, the financial institution may register the acquisition amount information of the restricted transfer shares in the user database DB. In this case, the acquisition amount information acquisition unit 102 acquires the acquisition amount information from the user database DB.

[0043] For example, when a user acquires shares by means of stock options, which are a type of stock compensation, the person in charge of the organization where the user works requests the financial institution to issue the stock options. When the person in charge requests the issuance of stock options from their own computer, the acquisition amount information may be included in the request. In this case, the acquisition amount information acquisition unit 102 acquires the acquisition amount information from the person in charge's computer. When the person in charge requests the financial institution to issue stock options not from their own computer but in writing or the like, the financial institution may register the acquisition amount information of the shares acquired with the stock options in the user database DB. In this case, the acquisition amount information acquisition unit 102 acquires the acquisition amount information from the user database DB. Further, the acquisition amount information acquisition unit 102 may acquire the acquisition amount information at the time of exercising the right instead of at the time of issuing the stock options.

[0044] For example, when a user acquires shares by a shareholding association, the person in charge of the shareholding association requests the financial institution to purchase the shares in the shareholding association. When the person in charge requests the purchase of shares in the shareholding association from their own computer, the acquisition amount information may be included in the request. In this case, the acquisition amount information acquisition unit 102 acquires the acquisition amount information from the person in charge's computer. When the person in charge requests the financial institution to purchase the shares in the shareholding association not from their own computer but in writing or the like, the financial institution may register the acquisition amount information of the shares acquired in the shareholding association in the user database DB. In this case, the acquisition amount information acquisition unit 102 acquires the acquisition amount information from the user database DB.

[0045] Note that the user may repeatedly acquire shares by at least one of stock compensation and a shareholding association. In this case, the acquisition amount information acquisition unit 102 may acquire the acquisition amount information indicating the acquisition amount of the shares each time the user acquires shares. Similarly, the incoming amount information acquisition unit 101 may acquire the latest incoming amount information at that time each time the user acquires shares. The incoming control unit 103, which will be described later, may also execute the control of incoming based on the latest incoming amount information and acquisition amount information each time the user acquires shares.

[0046] [Warehousing Control Unit] Based on the warehousing amount information and the acquisition amount information, the warehousing control unit 103 warehouses the shares within the limit of the first account among the acquisition amounts indicated by the acquisition amount information into the first account, and executes control to warehouse the shares exceeding the limit into the user's second account. Warehousing is to manage financial products by account. Associating information that can identify the financial product to be warehoused with information that can identify the account in the warehousing control system 1 is equivalent to warehousing.

[0047] The control executed by the warehousing control unit is a process of determining the warehousing portion for the first account and the warehousing portion for the second account. In other words, the control is a process of determining the portion to be recorded in the first account information and the portion to be recorded in the second account information among the shares acquired by the user. The control can also be said to be a process of updating the financial products of the first account indicated by the first account information and the financial products of the second account indicated by the second account information.

[0048] For example, the warehousing control unit 103 calculates the available amount based on the warehousing amount information and the limit of the first account. The available amount is the remaining amount that the user can use for the first account. The available amount is the value obtained by subtracting the warehousing amount indicated by the warehousing amount information from the limit of the first account. The warehousing control unit 103 determines whether the acquisition amount indicated by the acquisition amount information is greater than the available amount. If it is determined that the acquisition amount is less than or equal to the available amount, the warehousing control unit 103 executes control to warehouse all the shares acquired by the user into the first account.

[0049] For example, if it is determined that the acquisition amount is greater than the available amount, the warehousing control unit 103 warehouses the shares with an amount equal to or less than the available amount among the shares acquired by the user into the first account, and executes control to warehouse the remaining amount of the shares into the second account. The specific calculation formula in this case is as shown in (1) to (3) of Figure 2. In this embodiment, the warehousing control unit 103 calculates the available amount based on formula (1), and determines the warehousing portion for the first account and the warehousing portion for the second account based on formulas (2) and (3).

[0050] Note that, as shown in FIG. 2, the storage control unit 103 does not always allow shares to be stored in the first account up to the limit of the available amount of the first account. In this case, the storage control unit 103 may determine the number (quantity) of shares to be stored in the first account so as to leave a certain amount in the available amount of the first account. For example, the storage control unit 103 may first calculate the number (quantity) of shares to be stored in the first account so as to reach the limit of the available amount of the first account, and then calculate the number (quantity) obtained by rounding down the number of digits below the tens place of that number (quantity) as the number (quantity) of shares to be stored in the first account. Regardless of the calculation method, the storage control unit 103 may calculate the number (quantity) of shares obtained by subtracting the number (quantity) of shares to be stored in the first account from the number (quantity) of shares acquired by the user as the number (quantity) of shares to be stored in the second account.

[0051] In the present embodiment, the storage control unit 103 stores in the first account the shares that do not exceed the first limit regarding the amount of financial products that the user can store within a predetermined period among the acquired amount and do not exceed the second limit regarding the amount of financial products that the user can hold, and executes control for storing in the second account the shares that exceed at least one of the first limit and the second limit. The predetermined period is a period for which the accumulated amount of the financial products stored in the first account is calculated. In the present embodiment, the case where the predetermined period is one year is taken as an example, but the predetermined period may be any period. For example, the predetermined period may be another period such as one month, six months, or two years. The predetermined period may be a period defined by the tax preferential system.

[0052] In this embodiment, a first available amount is calculated based on a first limit. The first available amount is the remaining amount of financial products that can be deposited into the first account within a predetermined period. In addition to stocks, financial products such as investment trusts may be deposited into the first account. The first available amount may also take into account the amount of financial products other than stocks. The value obtained by subtracting the accumulated amount of the prices of the financial products deposited into the first account from the annual investment limit set for the first account corresponds to the first available amount. If the user has not deposited anything into the first account yet in the current year, the annual investment limit corresponds to the first available amount as it is.

[0053] For example, when the first account is a NISA account, the first limit is the growth investment limit among the annual investment limits. Therefore, the parts that explain the growth investment limit can be read as the first limit. If the NISA system changes in the future, or if another system other than NISA is started, the first limit may be called by another name other than the growth investment limit. The amount defined by the growth investment limit among the annual investment limits (for example, 2.4 million yen) corresponds to the first available amount. In other countries outside Japan, the amount determined by the tax preferential system of the other country may be the first available amount as long as it is the first available amount. The amount of the first limit may be a predetermined amount. Assume that the data indicating the amount of the first limit is stored in advance in the data storage unit 100.

[0054] In this embodiment, a second available amount is calculated based on a second limit. The second available amount is the remaining amount of financial products that the user can hold in total. The second available amount may also take into account the amount of financial products other than stocks. The value obtained by subtracting the total amount of the financial products held by the user in the first account from the total limit set for the first account corresponds to the second available amount. If the user has not deposited anything into the first account yet, the total limit becomes the second available amount as it is. Even if the user sells the financial products in the first account, the first available amount does not revive, whereas the second available amount revives.

[0055] For example, when the second account is a NISA account, the second frame is the total frame. Therefore, the parts that explain the total frame can be read as the second frame. If the NISA system changes in the future, or if another system other than NISA is started, the second frame may be called by a name other than the total frame. The amount defined by the total frame (for example, 12 million yen) corresponds to the second available amount. In other countries outside Japan, the amount defined by the tax preferential system of the other country may be the second available amount as long as it is an amount determined in advance. The amount of the second frame may be a predetermined amount. The data indicating the amount of the second frame is assumed to be stored in the data storage unit 100 in advance.

[0056] [3-2. Functions Implemented by User Terminal] For example, the user terminal 20 includes a data storage unit 200, an operation reception unit 201, and a display control unit 202. The data storage unit 200 is realized by a storage unit 22. The operation reception unit 201 and the display control unit 202 are realized by a control unit 21.

[0057] [Data Storage Unit] The data storage unit 200 stores data necessary for the user to use the financial services provided by the financial institution. For example, the data storage unit 200 stores a financial application. When the user uses the financial service from a browser instead of a financial application, the data storage unit 200 stores the browser.

[0058] [Operation Reception Unit] The operation reception unit 201 receives various operations of the user. For example, the operation reception unit 201 transmits data indicating the operation content of the user to the server 10.

[0059] [Display Control Unit] The display control unit 202 causes the display unit 25 to display various screens. For example, the display control unit 202 causes the display unit 25 to display the screen of the financial service on the financial application or the browser.

[0060] [4. Processes Executed by the Warehousing Control System] FIG. 5 is a diagram showing an example of the processing executed in the storage control system 1. In FIG. 5, the processing executed by the server 10 is shown. The processing of FIG. 5 is executed by the control unit 11 executing the program stored in the storage unit 12. When a user acquires shares with restricted transfer shares or a holding company, the processing of FIG. 5 is executed at the timing when the conditions defined for the restricted transfer shares are satisfied, or at the timing defined by the holding company (for example, a predetermined day of each month). When a user acquires shares with stock options, the processing of FIG. 5 is executed at the timing when the user performs an operation indicating the exercise of the stock option rights from the user terminal 20.

[0061] As shown in FIG. 5, the control unit 11 acquires the deposit amount information based on the user database DB (S1). The control unit 11 acquires the acquisition amount information from the computer of the personnel in charge in the organization to which the user belongs (S2). The control unit 11 determines whether the available amount of the first account is exceeded assuming that all the shares of the acquisition amount are deposited in the first account based on the deposit amount information and the acquisition amount information (S3). In S3, if it is determined that the available amount is not exceeded (S3: N), the control unit 11 executes control to deposit all the shares acquired by the user into the first account (S4), and this processing ends.

[0062] In S3, if it is determined that the available amount is exceeded (S3: Y), the control unit 11 deposits the shares within the available amount among the acquisition amounts indicated by the acquisition amount information into the first account, and deposits the shares exceeding the available amount among the acquisition amounts indicated by the acquisition amount information into the second account. Control is executed (S5), and this processing ends. If the available amount has already been reached, the determination in S3 may not be executed, and the control unit 11 may execute control to deposit all the shares acquired by the user into the second account.

[0063] [Summary of Embodiment] The stock deposit control system 1 of this embodiment executes control to deposit, into the first account, stocks within the limit of the first account out of the acquisition amounts indicated by the acquisition amount information, based on the deposit amount information and the acquisition amount information, and to deposit, into the second account of the user, stocks exceeding the limit. Since the stock deposit control system 1 can deposit at least a part of the stocks acquired by the user by at least one of stock compensation and a stockholders' meeting into the first account, the convenience of the user can be enhanced. The stock deposit control system 1 can reduce the tax burden on the user. For example, since the stock deposit control system 1 executes control to preferentially deposit stocks into the first account without any special operation by the user, the stock deposit control system 1 can enhance the convenience of the user.

[0064] Also, the first account is a non-taxable account. The second account is a taxable account. The stock deposit control system 1 can reduce the tax burden on the user by preferentially depositing the stocks acquired by the user by at least one of stock compensation and a stockholders' meeting into the non-taxable first account. For example, since the stock deposit control system 1 automatically deposits the stocks acquired by the user into the first account without any special operation by the user, the user can be made to actively utilize the first account.

[0065] Also, the stock deposit control system 1 executes control to deposit, into the first account, stocks within the annual investment limit and not exceeding the total limit out of the acquisition amounts indicated by the acquisition amount information, and to deposit, into the second account, stocks exceeding at least one of the annual investment limit and the total limit. Even if the annual investment limit and the total limit are set for the first account, the stock deposit control system 1 can perform control so as not to exceed any of the limits.

[0066] [6. Modification Example] The present disclosure is not limited to the embodiments described above. The present disclosure can be appropriately changed without departing from the gist of the present disclosure.

[0067] FIG. 6 is a diagram showing an example of a function realized in a modified example. For example, the server 10 in the modified example includes a unit number calculation unit 104, a unit number information presentation unit 105, a unit number determination unit 106, a determination result presentation unit 107, a point calculation unit 108, a point information presentation unit 109, a frame setting unit 110, a first priority setting unit 111, and a second priority setting unit 112. Each of the unit number calculation unit 104, the unit number information presentation unit 105, the unit number determination unit 106, the determination result presentation unit 107, the point calculation unit 108, the point information presentation unit 109, the frame setting unit 110, the first priority setting unit 111, and the second priority setting unit 112 is realized by the control unit 11.

[0068] [6-1. Modified Example 1] For example, the shares acquired by the user by at least one of stock compensation and a shareholders' meeting may correspond to fractional shares. Fractional shares are shares less than one unit. For example, if one unit is 100 shares, shares less than 100 shares correspond to fractional shares. The number of fractional shares may not be an integer and may include a decimal part. For example, the user may be able to acquire shares with a number of shares including a decimal part.

[0069] The storage control unit 103 in the modified example 1 stores, in the first account, the shares including fractional shares that do not exceed the limit of the first account among the acquisition amounts indicated by the acquisition amount information, and executes control for storing the shares including fractional shares that exceed the limit of the first account in the second account. For example, assume that the available amount of the first account is 1,150,000 yen. Assume that the user acquired 3000 shares of a stock with a stock price of 599 yen per share. In this case, the total amount of the stock price is 1,797,000 yen. If all the shares acquired by the user are to be stored in the first account, the available amount of the first account will be exceeded, so the storage control unit 103 performs control to store the shares corresponding to 1,150,000 yen in the first account.

[0070] For example, among the acquired amounts indicated by the acquired amount information, the unit-less fractional shares that do not exceed the limit of the first account and include units below the decimal point are deposited into the first account, and the unit-less fractional shares that exceed the limit of the first account and include units below the decimal point are deposited into the second account. The shares including units below the decimal point mean that the number of shares includes a numerical value below the decimal point. That is, the number of shares is not an integer. In the above example, when 1.15 million yen is divided by 599 yen, it becomes 1919.8664... (hereinafter, omitted). The inventory control unit 103 truncates the digits below a predetermined digit after the decimal point. For example, the inventory control unit 103 decides to deposit 1919.8664 shares into the first account by truncating the digits below the fifth digit after the decimal point. The shares corresponding to 1.15 million yen are deposited into the first account. The inventory control unit 103 decides to deposit the shares of the remaining number of shares into the second account. For example, the inventory control unit 103 decides to deposit 1080.1336 shares obtained by subtracting 1919.8664 shares from the 3000 shares acquired by the user into the second account. The shares corresponding to 647,000 yen are deposited into the second account.

[0071] In the case of a stock not corresponding to the shares with a fractional number of shares below the decimal point, the inventory control unit 103 may execute control to deposit the unit-less fractional shares into at least one of the first account and the second account. For example, the user may be able to set whether to purchase unit-less fractional shares. In this case, when the user wishes to purchase unit-less fractional shares, the inventory control unit 103 may execute control to deposit the shares including unit-less fractional shares within the range of the limit of the first account into the first account. Further, the user may be able to set whether to purchase down to unit-less fractional shares below the decimal point. In this case, when the user wishes to purchase unit-less fractional shares below the decimal point, the inventory control unit 103 may execute control to deposit the shares including unit-less fractional shares and unit-less fractional shares below the decimal point within the range of the limit of the first account into the first account.

[0072] The stock storage control system 1 of Modification Example 1 executes control to store stocks including fractional shares not exceeding the limit in the first account and stocks including fractional shares exceeding the limit in the second account out of the acquired amount. Thereby, the stock storage control system 1 can make full use of the limit of the first account with fractional shares, so that the convenience for the user can be effectively enhanced. Note that when the stocks acquired by the user do not correspond to fractional shares, the process of Modification Example 1 may not be executed. Assuming that one unit is 100 shares, the stock storage control system 1 distributes the stocks acquired by the user in units of 100 shares to each of the first account and the second account.

[0073] In addition, the stock storage control system 1 executes the above control to store stocks including fractional shares not exceeding the limit and including units below the decimal point in the first account, and stocks including fractional shares exceeding the limit and including units below the decimal point in the second account out of the acquired amount. Thereby, the stock storage control system 1 can store stocks in the first account up to the limit including units below the decimal point, so that the convenience for the user can be effectively enhanced. That is, the stock storage control system 1 can effectively utilize the first account until the limit of the first account is fully utilized.

[0074] [6-2. Modification Example 2] For example, in at least one of stock compensation and the shareholders' meeting, the number of stocks that can be acquired by the user may be determined based on a predetermined unit. In Modification Example 2, the case where the predetermined unit is one unit (for example, 100 shares) will be described, but the predetermined unit may be another unit other than one unit (for example, 50 shares). The predetermined unit may be specified for each stock, or may be specified by the organization of the user's workplace. Assume that the data indicating the predetermined unit is stored in advance in the data storage unit 100.

[0075] The stock control system 1 of Modification Example 2 includes a unit number calculation unit 104 and a unit number information presentation unit 105. The unit number calculation unit 104 calculates the number of units of stocks that can be stored in the first account based on the market price of the stocks. In Modification Example 2, it is assumed that the total amount of stocks acquired by the user is specified. For example, the organization where the user works, or the user, specifies the total amount of stocks. When the stock compensation or the shareholders' meeting is a point system, the total amount of stocks is an amount corresponding to the points. The unit number calculation unit 104 calculates the number of units of stocks that the user can acquire by dividing the total amount of stocks by the market price of the stocks. For example, assuming that the total amount of stocks is 300,000 yen and the market price of the stocks is 520 yen, the unit number calculation unit 104 calculates the value obtained by dividing 300,000 yen by 520 yen (576.92···), and calculates the unit number (here, 5) by dividing it by the number of stocks in a predetermined unit (here, 100 stocks). The unit number information presentation unit 105 presents unit number information regarding the calculated unit number to the user.

[0076] FIG. 7 is a diagram showing an example of a state in which unit number information is displayed. For example, when the user operates the user terminal 20 to log in to the financial service, the user terminal 20 causes the display unit 25 to display a management screen SC for managing various types of information in the financial service. For example, the unit number information presentation unit 105 causes the management screen SC to display unit number information I1 regarding the unit number acquired by the unit number calculation unit 104. In the example of FIG. 7, the unit number information presentation unit 105 displays the unit number information I1 indicating the unit number in the part for managing the balance of the stock option. The unit number information I1 is an image or text that can be perceived by the user. The unit number information I1 may be displayed on any screen of the financial service. The unit number information presentation unit 105 may present the unit number information I1 to the user using means such as an e-mail instead of the screen of the financial service.

[0077] The stock control system 1 of Modification Example 2 calculates the number of units of stocks that can be stored in the first account based on the market price of the stocks, and then presents unit information regarding the number of units to the user. Thereby, the stock control system 1 can enhance the convenience for the user. For example, since the user can grasp the number of units to be stored in the first account, the user can adjust the amount of stocks to be stored in the first account in advance, such as refraining from storing the stocks acquired through an individual purchase order in the first account. For example, when the number of units that can be stored by stock rewards or stock options is around 2 or 3 units, it is possible to prevent the purchasable amount of the first account from decreasing due to a purchase order and the number of units from decreasing from 3 units to 2 units.

[0078] [6-3. Modification Example 3] For example, the unit calculation unit 104 may repeatedly calculate the number of units described in Modification Example 2. The unit calculation unit 104 calculates the number of units based on the latest market price at that time every time the calculation timing for calculating the number of units arrives. The calculation timing may be any timing. In Modification Example 3, the case where the timing when the management screen SC is displayed is the calculation timing is taken as an example. The calculation timing may be other timings. For example, the calculation timing may be a predetermined date and time, the timing when the user performs a predetermined operation, or other timings.

[0079] For example, depending on the calculation timing, the market price of the stocks acquired by the user may change. Therefore, the number of units of stocks that the user can acquire may change. When the market price of the stocks drops, the number of units of stocks that the user can acquire at the same price may increase. When the market price of the stocks rises, the number of units of stocks that the user can acquire at the same price may decrease. In such a case, information may be presented to the user.

[0080] The stock control system 1 of Modification 3 includes a unit number determination unit 106 and a determination result presentation unit 107. The unit number determination unit 106 determines whether the unit number calculated based on the latest market price is different from the unit number calculated based on the most recent market price. That is, the unit number determination unit 106 determines whether there has been a change in the unit number of shares that the user can acquire. In Modification 3, it is assumed that data indicating the history of the unit numbers calculated by the unit number calculation unit 104 in the past is stored in the user database DB. The unit number determination unit 106 refers to the data and acquires the unit number calculated based on the most recent time.

[0081] For example, the unit number determination unit 106 determines whether the unit number calculated based on the latest market price matches the unit number calculated based on the most recent market price. In other words, the unit number determination unit 106 determines whether the unit number calculated based on the latest market price is greater than or less than the unit number calculated based on the most recent market price. The determination result presentation unit 107 presents the determination result of the unit number determination unit 106 to the user. For example, when it is determined that the unit number calculated based on the latest market price is different from the unit number calculated based on the most recent market price, the determination result presentation unit 107 presents information indicating that they are different to the user. When it is not determined that they are different, the determination result presentation unit 107 does not present the information to the user, or presents information indicating that they are the same to the user.

[0082] FIG. 8 is a diagram showing an example of a state in which the determination result of the unit number determination unit 106 is presented. As shown in FIG. 8, assuming that the user is granted additional stock option rights and the number of units calculated by the unit number calculation unit 104 changes from a state of 2000 shares (20 units) to a state of 2100 shares (21 units), the determination result presentation unit 107 causes the management screen SC to display information I2 indicating that there has been a change in the number of units of shares that the user can acquire. If the number of units remains unchanged in the state of 2000 shares, the determination result presentation unit 107 does not cause the management screen SC to display the information I2. The information I2 is an image or text that can be perceived by the user. The unit number information I1 may be displayed on any screen of the financial service. The determination result presentation unit 107 may present the information I2 to the user using means such as an email instead of the screen of the financial service.

[0083] The stock control system 1 of Modification 3 presents to the user a determination result as to whether the number of units calculated based on the latest market price is different from the number of units calculated based on the most recent market price. Thereby, the stock control system 1 can improve the convenience for the user. For example, the user can grasp in advance the stock price when the amount of stocks that can be deposited in the non-taxable account changes.

[0084] [6-4. Modification 4] For example, the stock compensation may be a stock option whose right is exercised based on points granted to the user. The user is granted stock options on a point basis. The number of shares per point may be any number of shares. In Modification Example 4, the case where the number of shares per point is 10 shares will be taken as an example. Assume that the data indicating the number of shares per point is stored in advance in the data storage unit 100. The number of shares per point may be common to all stocks, or may be determined for each stock. Assume that the data indicating the points held by the user is stored in the user database DB. When the user is granted a stock option, the data is updated so that the points held by the user increase. When the user exercises the right of the stock option, the data is updated so that the points held by the user decrease. The user database DB may store data indicating the usage history of points by the user.

[0085] The warehousing control system 1 of Modification Example 4 includes a point calculation unit 108 and a point information presentation unit 109. The point calculation unit 108 calculates the points for the user to acquire the stocks that can be warehoused in the first account among the points granted to the user. For example, the point calculation unit 108 divides the available amount of the first account by the number of shares per point and further divides it by the current market price of the target stock. Assume that the available amount is 1,150,000 yen, the number of shares per point is 10 shares, and the current market price is 598 yen. Then, the point calculation unit 103 divides 1,150,000 yen by 10 shares and further divides it by 598 yen to calculate 192.3 points as the points for the user to acquire the stocks that can be warehoused in the first account. Assume that the points held by the user are 200 points. Then, 192.3 points out of them are the points for the user to acquire the stocks that can be warehoused in the first account.

[0086] Note that the point calculation unit 108 only needs to calculate up to a predetermined digit after the decimal point. The predetermined digit is assumed to be determined in advance. The point calculation unit 108 may calculate the integer point without calculating the point after the decimal point. That is, the point calculation unit 108 may truncate the point after the decimal point. The point information regarding the point calculated by the point calculation unit 108 is presented to the user under the control of the point information presentation unit 109.

[0087] FIG. 9 is a diagram showing an example of a state in which point information is displayed. The point information presentation unit 109 presents point information I3 regarding the point calculated by the point calculation unit 108 to the user. In the example of FIG. 9, the point information presentation unit 109 causes the point information I3 to be displayed on the management screen SC of the financial service. The point information I3 is an image or text that can be perceived by the user. The point information I3 may be displayed on any screen of the financial service. The point information presentation unit 109 may present the point information I3 to the user using means such as an email instead of the screen of the financial service.

[0088] The warehousing control system 1 of Modification Example 4 calculates the points for the user to acquire stocks that can be warehoused in the first account among the points given to the user. The warehousing control system 1 presents the point information I3 to the user. Thereby, the warehousing control system 1 can improve the convenience of the user. For example, since the user can grasp the maximum number of points that can be warehoused in the first account, the convenience of the user can be improved.

[0089] [6-5. Modification Example 5] For example, instead of using all of the framework of the first account for at least one of stock compensation and stockholders' meetings, the user may want to use a certain portion for his or her favorite financial products (financial products other than stocks acquired through at least one of stock compensation and stockholders' meetings, for example, stocks of other companies other than the user's employer). Therefore, instead of fully utilizing all of the framework under the tax preferential system for at least one of stock compensation and stockholders' meetings, the user may be able to freely specify how much of the framework to use.

[0090] Furthermore, the user may be able to specify two things: how much of the annual growth investment framework to use for at least one of stock compensation and stockholders' meetings, and how much of the total framework to use for at least one of stock compensation and stockholders' meetings. In other words, the user may be able to specify how much of the annual growth investment framework to use for his or her favorite financial products and how much of the total framework to use for his or her favorite financial products.

[0091] The inventory control system 1 of Modification Example 5 includes a framework setting unit 110. The framework setting unit 110 sets a framework lower than the amount defined under the tax preferential system of the first account based on the user's operation. For example, the growth investment framework defined for the NISA account is 2.4 million yen. Suppose the user wants to use 1 million yen for at least one of stock compensation and stockholders' meetings, and wants to use the remaining framework for his or her favorite financial products. In this case, the user specifies to use 1 million yen for at least one of stock compensation and stockholders' meetings, or to use 1.4 million yen for his or her favorite financial products.

[0092] In Modification 5, it is assumed that the user designates the amount that the user wishes to use for at least one of stock returns and stockholders' meetings among the growth investment framework. The user operates the user terminal 20 to log in to the financial service and designates an amount less than 2.4 million yen of the growth investment framework. Here, it is assumed that the user designates 1 million yen. The framework setting unit 110 performs the setting by storing the data indicating the amount designated by the user in the user database DB. The user can change his or her setting retrospectively. Similarly, when the user inputs the amount that he or she wishes to use for a financial product that he or she likes instead of the amount that he or she wishes to use for at least one of stock returns and stockholders' meetings, the data indicating the amount designated by the user is stored in the user database DB.

[0093] The warehousing control unit 103 executes the control described in the embodiment based on the framework set by the framework setting unit 110. Although the framework is different from the embodiment, the control executed by the warehousing control unit 103 is as described in the embodiment. In the example of FIG. 2, in Modification 5, instead of the growth investment framework of the formula (1), the framework set by the framework setting unit 110 is used. For example, if the user designates 1 million yen as the amount that he or she wishes to use for at least one of stock returns and stockholders' meetings, the warehousing control unit 103 executes the control described in the embodiment so that the stocks acquired by the user for at least one of stock returns and stockholders' meetings are preferentially warehoused in the first account within the range of 1 million yen.

[0094] In the above example, the case where the user designates a part of the growth investment framework as the amount that he or she wishes to use for at least one of stock returns and stockholders' meetings is taken as an example. However, the user may designate a part of the total framework as the amount that he or she wishes to use for at least one of stock returns and stockholders' meetings. In this case, when the total amount of the amount of stocks acquired by the user and the total amount of stocks currently held by the user exceeds the amount designated by the user (an amount less than the total framework), the warehousing control unit 103 executes control for warehousing stocks in the second account for the excess amount. The user may designate both the amount of a part of the growth investment framework and the amount of a part of the total framework.

[0095] The stock-in control system 1 of Modification Example 5 sets a limit lower than the amount defined under the tax preferential system of the first account based on the user's operation. The stock-in control system 1 executes control based on the limit set by the limit setting unit 110. Thereby, the stock-in control system 1 can enhance the convenience for the user. For example, the user can selectively use the limit for at least one of stock compensation and stock ownership association and the limit for the financial products the user likes.

[0096] [6-6. Modification Example 6] For example, the user may acquire a plurality of stocks by at least one of stock compensation and stock ownership association. For example, a user who works for both Company A and Company B may acquire the stocks of Company A and the stocks of Company B by at least one of the stock compensation and stock ownership association provided by Company A and Company B. Even in this case, similar to the embodiment, the stocks of Company A and the stocks of Company B may be preferentially stocked in the first account. Basically, among Company A and B, they are preferentially stocked in the first account in the order in which the user acquired the stocks, but the user may specify the priority for each of Company A and B.

[0097] The stock-in control system 1 includes a first priority setting unit 111. The first priority setting unit 111 sets a priority for at least one of the plurality of stocks acquired by the user by at least one of stock compensation and stock ownership association based on the user's operation. The priority is the order in which stocking in the first account is prioritized. Stocks for which no priority is set may not be stocked in the first account. That is, even if the stocks were acquired by the user by at least one of stock compensation and stock ownership association, the stocks for which no priority is set may not have the processing described in the embodiment executed and may be stocked in the second account. The stocks for which a priority is set may have the processing described in the embodiment executed and be preferentially stocked in the first account.

[0098] For example, when the user operates the user terminal 20 to log in to the financial service, the user designates a priority for at least one of the plurality of stocks that the user can acquire in at least one of stock rewards and shareholdings. The user terminal 20 transmits data indicating the priority designated by the user to the server 10. The first priority setting unit 111 sets a priority for at least one of the plurality of stocks acquired by the user by storing the data received from the user terminal 20 in the user database DB. The first priority setting unit 111 may set a priority for at least one of the plurality of stocks acquired by the user by storing the data in a database other than the user database DB.

[0099] The acquisition amount information acquisition unit 102 of Modification 6 acquires the acquisition amount information for each of the plurality of stocks. The method for acquiring the individual acquisition amount information is as described in the embodiment. Since the user may not acquire a plurality of stocks simultaneously by at least one of stock rewards and shareholdings, in this case, the acquisition amount information acquisition unit 102 acquires the acquisition amount information for the stock in order from the stocks determined to be acquired by the user. When the user acquires a plurality of stocks simultaneously by at least one of stock rewards and shareholdings, the acquisition amount information acquisition unit 102 acquires the acquisition amount information for each of the plurality of stocks.

[0100] The storage control unit 103 of Modification 6 executes control based on the priority of at least one of the plurality of stocks. When priorities are set for the plurality of stocks, the storage control unit 103 performs control such that stocks with relatively higher priorities are preferentially stored in the first account and stocks with relatively lower priorities are preferentially stored in the second account. For example, the storage control unit 103 may perform control to store stocks with a priority equal to or higher than the threshold value in the first account and stocks with a priority lower than the threshold value in the second account. For example, the storage control unit 103 may store as many stocks as possible in the first account in descending order of priority, and when there is still room in the available amount of the first account, store stocks with relatively lower priorities in the first account.

[0101] The stock storage control system 1 of Modification Example 6 sets a priority for at least one of a plurality of stocks acquired by a user based on at least one of stock compensation and a stockholders' meeting. The stock storage control system 1 acquires acquisition amount information for each of the plurality of stocks. The stock storage control system 1 executes control based further on the priority of at least one of the plurality of stocks. Thereby, the stock storage control system 1 can enhance the convenience of a user who has acquired a plurality of stocks based on at least one of stock compensation and a stockholders' meeting. For example, since the user can preferentially store a desired stock in a non-taxable first account, more flexible storage becomes possible.

[0102] [6-7. Modification Example 7] For example, in the embodiment, two types such as stock options and restricted transfer stocks were described as stock compensation. Further, restricted transfer stocks include types such as performance-linked stocks (PS: Performance Share), restricted transfer stocks (RS: Restricted Stock), performance-linked stock units (PSU: Performance Share Unit), and restricted transfer stock units (RSU: Restricted Stock Unit). Priorities may be set for these types.

[0103] The stock storage control system 1 includes a second priority setting unit 112. The second priority setting unit 112 sets a priority for at least one of a plurality of types in stock compensation based on a user's operation. The meaning of the priority is as described in Modification Example 6. In Modification Example 6, a priority is set for stocks (stock names), whereas in Modification Example 7, priorities are set for types such as PS, RS, PSU, and RSU.

[0104] For example, when the user operates the user terminal 20 to log in to the financial service, the user designates a priority for at least one of a plurality of types in stock rewards. The user terminal 20 transmits data indicating the priority designated by the user to the server 10. The second priority setting unit 112 sets a priority for at least one of a plurality of stocks acquired by the user by storing the data received from the user terminal 20 in the user database DB. The second priority setting unit 112 may set a priority for at least one of a plurality of types in stock rewards by storing the data in a database other than the user database DB.

[0105] The acquisition amount information acquisition unit 102 acquires the acquisition amount information of the stocks acquired for each of a plurality of types. The acquisition method of each individual acquisition amount information is as described in the embodiment. Since the user may not acquire stocks simultaneously for each of a plurality of types in stock rewards, in this case, the acquisition amount information acquisition unit 102 acquires the acquisition amount information of the stocks in order from the stocks determined to be acquired by the user. When the user acquires stocks simultaneously for each of a plurality of types in stock rewards, the acquisition amount information acquisition unit 102 acquires the acquisition amount information of the stocks acquired for each of the plurality of types.

[0106] The storage control unit 103 of Modification 7 executes control based on at least one priority among a plurality of types. When priorities are set for a plurality of types, the storage control unit 103 performs control such that stocks of a type with a relatively higher priority are preferentially stored in the first account, and stocks of a type with a relatively lower priority are preferentially stored in the second account. For example, the storage control unit 103 may perform control such that stocks of a type with a priority equal to or higher than the threshold value are stored in the first account, and stocks of a type with a priority lower than the threshold value are stored in the second account. For example, the storage control unit 103 may store stocks as many as possible in the first account in descending order of priority, and when there is still room in the available amount of the first account, store stocks of a relatively lower priority in the first account.

[0107] The stock control system 1 of Modification Example 7 sets priorities for at least one of a plurality of types in stock compensation based on a user's operation. The stock control system 1 acquires acquisition amount information of stocks acquired for each of the plurality of types. The stock control system 1 executes control further based on the priorities of at least one of the plurality of types. Thereby, the stock control system 1 can enhance the convenience for the user by realizing flexible stock storage according to the type. For example, since the user can preferentially store stocks acquired with stock compensation of a desired type in the non-taxable first account, more flexible stock storage becomes possible.

[0108] [6-8. Other Modification Examples] For example, the above modification examples may be combined.

[0109] For example, the functions described as being realized by the server 10 may be realized by the user terminal 20 or another computer. The processes described as being realized by the server 10 may be shared by a plurality of computers.

[0110] [7. Supplementary Note] For example, the stock control system may have the following configuration. (1) A stock amount information acquisition unit that acquires stock amount information regarding the stock amount of financial products deposited in the first account subject to the tax preferential system, An acquisition amount information acquisition unit that acquires acquisition amount information regarding the acquisition amount of stocks acquired by the user by at least one of stock compensation and a stockholders' meeting, Based on the stock amount information and the acquisition amount information, among the acquisition amounts, the stocks that do not exceed the limit of the first account are deposited in the first account, and among the acquisition amounts, the stocks that exceed the limit are deposited in the user's second account. A stock control unit that executes control for depositing the stock, A stock control system including the above. (2) The first account is a non-taxable account, The second account is an account subject to taxation, The stock control system according to (1). (3) The deposit amount information indicates the amount of the financial products deposited by the user within a predetermined period and the amount of the financial products held by the user. Among the acquired amounts, the deposit control unit deposits the stocks that do not exceed the first limit regarding the amount of the financial products that the user can deposit within the period and do not exceed the second limit regarding the amount of the financial products that the user can hold into the first account, and executes the control for depositing the stocks that exceed at least one of the first limit and the second limit into the second account. The deposit control system according to (1) or (2). (4) Among the acquired amounts, the deposit control unit deposits the stocks including the fractional shares less than one unit that do not exceed the limit into the first account, and executes the control for depositing the stocks including the fractional shares less than one unit that exceed the limit into the second account. The deposit control system according to any one of (1) to (3). (5) Among the acquired amounts, the deposit control unit deposits the fractional shares less than one unit that do not exceed the limit and include units below the decimal point into the first account, and executes the control for depositing the fractional shares less than one unit that exceed the limit and include units below the decimal point into the second account. The deposit control system according to (4). (6) In at least one of the stock rewards and the shareholders' meetings, the number of stocks that the user can acquire is determined based on a predetermined unit. The deposit control system further includes a unit number calculation unit that calculates the number of units of the stocks that can be deposited into the first account based on the market price of the stocks, and a unit number information presentation unit that presents unit number information regarding the number of units to the user. The deposit control system according to any one of (1) to (5) further including the above. (7) The unit number calculation unit repeatedly calculates the number of units. The deposit control system A unit number determination unit that determines whether the unit number calculated based on the latest market price is different from the unit number calculated based on the most recent market price; A determination result presentation unit that presents the determination result of the unit number determination unit to the user; The inventory control system according to (6), further comprising: (8) The stock compensation is a stock option whose right is exercised based on points given to the user, The inventory control system, A point calculation unit that calculates points for the user to acquire the stocks that can be deposited in the first account among the points given to the user; A point information presentation unit that presents point information regarding the points calculated by the point calculation unit to the user; The inventory control system according to any one of (1) to (7), further comprising: (9) The inventory control system further includes a frame setting unit that sets a frame lower than the amount defined in the tax preferential system of the first account based on the user's operation, The inventory control unit executes the control based on the frame set by the frame setting unit. (1) to (8) The inventory control system according to any one of the above. (10) The inventory control system further includes a first priority setting unit that sets a priority for at least one of the plurality of stocks acquired by the user by at least one of the stock compensation and the stockholders' meeting based on the user's operation, The acquisition amount information acquisition unit acquires the acquisition amount information of each of the plurality of stocks, The inventory control unit executes the control further based on the priority of at least one of the plurality of stocks. (1) to (9) The inventory control system according to any one of the above. (11) The inventory control system further includes a second priority setting unit that sets a priority for at least one of the plurality of types in the stock compensation based on the operation of the user. The acquisition amount information acquisition unit acquires the acquisition amount information of the stocks acquired for each of the plurality of types. The inventory control unit executes the control based on at least one of the priorities of the plurality of types. (1)~(10) The inventory control system described above.

Explanation of Signs

[0111] 1 Inventory control system, N Network, 10 Server, 11,21 Control unit, 12,22 Storage unit, 13,23 Communication unit, 20 User terminal, 24 Operation unit, 25 Display unit, DB User database, I1 Unit number information, I2 Information, SC Management screen, 100 Data storage unit, 101 Inventory amount information acquisition unit, 102 Acquisition amount information acquisition unit, 103 Inventory control unit, 104 Unit number calculation unit, 105 Unit number information presentation unit, 106 Unit number determination unit, 107 Determination result presentation unit, 108 Point calculation unit, 109 Point information presentation unit, 110 Frame setting unit, 111 First priority setting unit, 112 Second priority setting unit, 200 Data storage unit, 201 Operation reception unit, 202 Display control unit.

Claims

1. An amount information acquisition unit that acquires amount information regarding the amount of financial products deposited in a first account that is subject to a tax preferential system; An acquisition amount information acquisition unit that acquires acquisition amount information regarding the acquisition amount of shares acquired by the user by at least one of share remuneration and a shareholders' meeting; Based on the deposit amount information and the acquisition amount information, among the acquisition amounts, the shares that do not exceed the limit of the first account are deposited into the first account, and among the acquisition amounts, the shares that exceed the limit are deposited into the user's second account, and an inventory control unit that executes control for this; An inventory control system including the above.

2. The first account is a non-taxable account, The second account is an account subject to taxation, The inventory control system according to Claim 1.

3. The deposit amount information indicates the amount of the financial products deposited by the user within a predetermined period and the amount of the financial products held by the user, The inventory control unit, among the acquisition amounts, deposits the shares that do not exceed a first limit regarding the amount of the financial products that the user can deposit within the period and do not exceed a second limit regarding the amount of the financial products that the user can hold into the first account, and executes the control for depositing the shares that exceed at least one of the first limit and the second limit into the second account, The inventory control system according to Claim 1 or 2.

4. The inventory control unit executes the control for depositing, into the first account, the shares including fractional shares less than a unit that do not exceed the limit among the acquisition amounts, and depositing, into the second account, the shares including fractional shares less than a unit that exceed the limit, The inventory control system according to Claim 1 or 2.

5. The inventory control unit executes the control for depositing, into the first account, the fractional shares less than a unit that do not exceed the limit among the acquisition amounts and include units below the decimal point, and depositing, into the second account, the fractional shares less than a unit that exceed the limit and include units below the decimal point, The inventory control system according to Claim 4.

6. In at least one of the share remuneration and the shareholders' meeting, the number of shares that the user can acquire is determined based on a predetermined unit, The inventory control system is A unit number calculation unit that calculates the number of units of the shares that can be deposited into the first account based on the market price of the shares; A unit quantity information presenting unit that presents unit quantity information regarding the unit quantity to the user; The inventory control system according to claim 1 or 2, further comprising:

7. The unit quantity calculation unit repeatedly calculates the unit quantity, The inventory control system, A unit quantity determination unit that determines whether the unit quantity calculated based on the latest market value is different from the unit quantity calculated based on the most recent market value; A determination result presenting unit that presents the determination result of the unit quantity determination unit to the user; The inventory control system according to claim 6, further comprising:

8. The stock compensation is a stock option whose right is exercised based on points granted to the user, The inventory control system, A point calculation unit that calculates points for the user to acquire the stocks that can be deposited in the first account among the points granted to the user; A point information presenting unit that presents point information regarding the points calculated by the point calculation unit to the user; The inventory control system according to claim 1 or 2, further comprising:

9. The inventory control system further includes a frame setting unit that sets a frame lower than the amount defined in the tax preferential system of the first account based on the operation of the user, The inventory control unit executes the control based on the frame set by the frame setting unit. The inventory control system according to claim 1 or 2.

10. The inventory control system further includes a first priority setting unit that sets a priority for at least one of the plurality of stocks acquired by the user by at least one of the stock compensation and the stockholders' meeting based on the operation of the user, The acquisition amount information acquisition unit acquires the acquisition amount information of each of the plurality of stocks, The inventory control unit executes the control further based on the priority of at least one of the plurality of stocks. The inventory control system according to claim 1 or 2.

11. The inventory control system further includes a second priority setting unit that sets a priority for at least one of a plurality of types in the stock compensation based on the operation of the user, The acquisition amount information acquisition unit acquires the acquisition amount information of the stocks acquired for each of the plurality of types, The inventory control unit executes the control further based on the priority of at least one of the plurality of types. The warehousing control system according to claim 1 or 2.

12. A warehousing amount information acquisition step of acquiring warehousing amount information regarding the warehousing amount of financial products warehoused in a first account subject to a tax preferential system; An acquisition amount information acquisition step of acquiring acquisition amount information regarding the acquisition amount of stocks acquired by a user by at least one of stock compensation and a shareholders' meeting; Based on the warehousing amount information and the acquisition amount information, among the acquisition amounts, the stocks not exceeding the limit of the first account are warehoused in the first account, and among the acquisition amounts, the stocks exceeding the limit are warehoused in the user's second account. A warehousing control step of executing control for warehousing; A warehousing control method including the above.

13. A warehousing amount information acquisition unit that acquires warehousing amount information regarding the warehousing amount of financial products warehoused in a first account subject to a tax preferential system; An acquisition amount information acquisition unit that acquires acquisition amount information regarding the acquisition amount of stocks acquired by a user by at least one of stock compensation and a shareholders' meeting; Based on the warehousing amount information and the acquisition amount information, among the acquisition amounts, the stocks not exceeding the limit of the first account are warehoused in the first account, and among the acquisition amounts, the stocks exceeding the limit are warehoused in the user's second account. A warehousing control unit that executes control for warehousing; A program for causing a computer to function as the above.

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